Mortgages in Goffstown, NH
Tom helps Goffstown buyers and homeowners, from Goffstown village to Pinardville and Grasmere.
By Tom MacDonald, Loan Officer · Tax rate from NH DRA, 2025Elite Mortgage GroupNMLS #2748687Company NMLS #2502308MBR
No credit pull to start · Options from 45 lenders · Call or text 603-851-4982
Pictured: Lyndeborough, NHWhat should buyers know about Goffstown?
Looking for a mortgage in Goffstown, NH? Tom MacDonald, a loan officer with Elite Mortgage Group, helps buyers and homeowners in Goffstown and nearby towns with purchase loans, refinancing and pre-approvals, comparing options from 45 lenders. Goffstown's 2025 total property tax rate is $20.88 per $1,000 of assessed value (NH DRA). See every Hillsborough County town's rate.
Goffstown sits directly west of Manchester. The Piscataquog River runs through the main village, the twin Uncanoonuc Mountains rise in the southwestern part of town, and a rail trail follows former railroad beds. Route 114A is the main route through Pinardville, while Routes 13 and 114 lead west toward New Boston and Weare. Saint Anselm College is in Goffstown.
In the state's community profile, about 68% of Goffstown's housing units are single-family homes, about 14% are in two- to four-unit buildings and about 7% are manufactured homes and other housing. Conventional, FHA, VA and NH Housing loans could fit many of these homes, and owner-occupied loans can also work for a two- to four-unit building when you live in one of the units.
Goffstown village sits on the Piscataquog River, with the Uncanoonuc Mountains rising behind it and Saint Anselm College in town. Pinardville and Grasmere are popular neighborhoods close to Manchester.
Tom also works across Hillsborough County and nearby towns, including Manchester, Bedford, Hooksett, Weare and New Boston.
Neighborhoods and areas
- Goffstown village
- Pinardville
- Grasmere
- Parker
- Uncanoonuc Mountains
- Piscataquog River
Is there a loan officer in Goffstown, NH?
Yes. Tom MacDonald is a loan officer with Elite Mortgage Group, a mortgage broker at 300 Elm Street in Milford, NH, and he works with buyers and homeowners in Goffstown on purchase loans, refinancing and pre-approvals. He's available 7 days a week by phone or text at 603-851-4982. Thomas MacDonald, NMLS #2748687 · Company NMLS #2502308MBR.
Goffstown resources
Which loan programs fit buyers in Goffstown?
- Conventional. Suits a housing stock where about 68% of units are single-family homes.
- FHA. May work for many single-family homes, and for a two- to four-unit building when you live in one unit.
- VA. Could finance a primary home for eligible veterans and service members.
- NH Housing. May fit a primary home purchase, depending on the buyer and the program's rules.
As a mortgage broker, Elite Mortgage Group works with 45 mortgage lenders, so Tom can shop your loan with many of them at once. Eligibility and terms vary by lender and program.
For buyers and homeowners in Goffstown
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Buying or refinancing in Goffstown?
Tell Tom a little about your plans and he'll follow up personally. There's no credit pull to start.
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Helpful guides
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Close to Goffstown
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- Litchfield
- Hudson
- Merrimack
- Amherst
- Hollis
- Pelham
- Londonderry
- Nashua
- Salem
- Derry
- Windham
- Concord
- Milford
- Dover
- Rochester
- Exeter
- Plaistow
- Hampstead
- Portsmouth
- Hampton
- Stratham
- Durham
- Bow
- Pembroke
- Auburn
- Chester
- Raymond
- Atkinson
- Kingston
- Brookline
- Newmarket
- Epping
- Seabrook
- Rye
- North Hampton
- Greenland
- Somersworth
- Barrington
- Sandown
- Hopkinton
- Nottingham
- Newton
- Deerfield
- Allenstown
- Fremont
- Danville
- Brentwood
- Candia
- Wilton
- Mont Vernon
- Lyndeborough
Compare towns, with tax rates and loan limits
Own a business in Goffstown? The free NH Business Hub is open to every local business.
Common questions about buying in Goffstown
Don't see yours? Call or text Tom or browse more answers.
Who is a local mortgage loan officer for Goffstown, NH?
Tom MacDonald, a loan officer who lives in Litchfield, NH. He works with Elite Mortgage Group, a mortgage broker at 300 Elm Street in Milford, NH, and helps buyers and homeowners in Goffstown compare loan options from 45 lenders. NMLS #2748687 · Elite Mortgage Group NMLS #2502308MBR. Call or text 603-851-4982, or read more about Tom.
What is the property tax rate in Goffstown, NH?
Goffstown's 2025 total tax rate is $20.88 per $1,000 of assessed value, set by the NH Department of Revenue Administration. On a home assessed at $100,000, that comes to $2,088 a year. The payment calculator fills in Goffstown's rate for you.
What are mortgage rates like in Goffstown, NH?
Mortgage rates follow national markets, so they don't change much from Goffstown to other New Hampshire towns. What differs is how each lender prices your loan, based on your credit, down payment, loan program and the property. Tom compares pricing from the 45 lenders Elite Mortgage Group works with for your scenario on the same day. What does change by town is property tax: at Goffstown's 2025 rate, each $100,000 of assessed value adds about $174 a month to your payment. The NH mortgage rates guide explains what sets your rate.
What are the 2026 loan limits in Goffstown?
Goffstown is in Hillsborough County, where the 2026 one-unit FHA limit is $589,950 and the conforming limit is $832,750. Loans above the conforming limit are jumbo loans. The FHA guide and the loan limit guide have the details.
Which loan programs fit homes in Goffstown?
Programs that often fit in Goffstown include Conventional, FHA, VA and NH Housing. The loan programs section above explains why each may suit Goffstown's homes, and Tom can compare them for your situation.
How much is the transfer tax when you buy in Goffstown?
New Hampshire's real estate transfer tax is the same in Goffstown as everywhere in the state: $0.75 per $100 of the price, charged to both the buyer and the seller at closing. See the transfer tax calculator or the closing costs guide.
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How do I get pre-approved to buy in Goffstown?
Start with a short conversation with Tom about your plans for Goffstown. It doesn't pull your credit. Then you complete Elite Mortgage Group's secure application, Tom reviews your income, assets and credit, and you get a pre-approval letter to send with your offers. The pre-approval guide lists the documents to gather.
Which roads do Goffstown commuters use?
Three state routes cross Goffstown. Route 114A is the main road through Pinardville and connects east to Manchester, and Route 13 connects west to New Boston and joins Route 114 at Main Street.
Can I use a USDA loan in Goffstown?
In most of town, yes. When Tom checked USDA's eligibility map on October 30, 2026, most of Goffstown fell inside USDA's eligible rural area for home loans, though some areas didn't. USDA loans also have household income limits, and eligibility is confirmed address by address, so Tom checks the exact property and your income first.
What loan types fit Goffstown homes?
In the state's community profile, about 68% of Goffstown's housing units are single-family homes, about 14% are in two- to four-unit buildings and about 7% are manufactured homes and other housing. Conventional, FHA, VA, USDA and NH Housing loans could fit many of these homes, and an owner-occupied two- to four-unit building can be financed when you live in one of the units. Manufactured homes have their own loan rules (see the manufactured homes guide). HUD's list showed no FHA-approved condo complexes in Goffstown as of October 28, 2026.
How does buying a home in New Hampshire work, start to finish?
- Get pre-approved, so you know your price range with Goffstown's tax rate included.
- Make an offer. Your purchase agreement sets the dates for inspections, financing and closing.
- Inspect. If the home has a private well or septic system, add a water test and septic check.
- Apply for the mortgage. Your lender must send a Loan Estimate within 3 business days of your application.
- Appraisal and underwriting.
- Review your Closing Disclosure, which you must receive at least 3 business days before closing.
- Close. New Hampshire's transfer tax is $0.75 per $100 of the price, paid by both the buyer and the seller.
Is there first-time buyer help in Goffstown?
NH Housing, the state's housing finance agency, offers programs statewide, including Home First for first-time buyers and Plus versions that add down payment assistance. For many programs, "first-time" means you haven't owned a home in the past three years. Income and purchase price limits apply, and some programs require a homebuyer education course. NH Housing loans are made through participating lenders, and Elite Mortgage Group is listed in NH Housing's directory of participating companies.
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